body {background: #e9e9eb; color: black; font: normal 500 100%   "times new roman", helvetica, serif; margin:0; padding:0; width:100%}

p {text-align: left; width: 100%; line-height: 1.2}

div#heading {background:#003366;}   /* or #124085 for lighter */

h1, h2 {font: normal 800 200%  arial, verdana, "sans-serif"; color: #fff; margin:0;}

h1 { padding: 0 0 0 20%; border-right: 1em solid rgb(69%,75%,85%);}
/*or #b0bfd9 */

h2 {padding: 0 0 0 30%; border: solid rgb(69%,75%,85%); border-width:1px 1em 0 1em;}


div#acol, div#bcol, div#dcol {float:left; width:32.2%; padding: 0.1%; }

div#acol {margin:0 0.3% 0 0.6%}
div#bcol {margin:0 0.3% 0 0.3%}
div#dcol {margin:0 0.6% 0 0.3%}

div#bcol p {font: normal 500 123% arial, verdana "sans-serif"; color: black; margin-bottom:1em; overflow:invisible;}

div#bcol h4 {text-align:center; font: normal 500 130% arial, verdana "sans-serif"; color: red;}

img {width = "100%"}